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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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SPML, Capstone, Ascenden - Reclaiming Charges


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Hello Everyone

 

I'm in the process of getting back all unlawful charges put on my loan account with SPML. Received all the info on my account after submitting an SAR, now going to ask for a refund.

 

Can someone please tell me if I need to send them a copy of the list of the charges that I intend to reclaim with the template letter 'Request for Repayment of Charges'?

 

Cheers

Phil

This is only my personal, honest opinion!

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Hi. Yes you need to send them a breakdown of all charges you are reclaiming.

You need the date, time, name of charge and ammount. If you are claiming interest you need to add that too.

Use the right spreadsheet to list everything and send a copy to them.

Shout up if you can't find stuff. Most of it's in the CAG library.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks, Dx & Freaky

 

I've copied one of the spreadsheets from the library and filled it in. Am I right to add interest at this stage when I'm just asking for a refund of the charges? Also, I thought you could only claim interest once it goes to court? That is what happened and how things were when I re-claimed some bank charges a few years ago........

 

Thanks again for your help.

Phil

This is only my personal, honest opinion!

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Hi Phil,

Good luck with them, I would check all of the information in your SAR mine was only half completed and getting info out of them is nigh on impossible. I have just gone the court route its just been listed so I wish you luck in getting them back.

Lynne

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Thanks, Dx & Freaky

 

I've copied one of the spreadsheets from the library and filled it in. Am I right to add interest at this stage when I'm just asking for a refund of the charges? Also, I thought you could only claim interest once it goes to court? That is what happened and how things were when I re-claimed some bank charges a few years ago........

 

Thanks again for your help.

Phil

 

ideally you should use the fosrunningCI sheet

 

put your motgage APR in D13

and READ the RED NOTES TAB

 

you cant add anything more even at court stage.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Phil

 

Responding to PM

 

From the list you gave me here are my observations...

 

  1. Unpaid D/D - Yes
  2. Arrears management fee - Probably yes - more info?
  3. Litigation fee - more info?
  4. Legal costs - not if they are the true cost to them
  5. Agents costs - more info - are these for agents visits to you?
  6. Late payment management fee - yes, I would
  7. Litigation management fee - if it can be shown to be a penalty, yes
  8. Referral to solicitor fee - probably yes
  9. Third party fee (solicitors costs) - not if they are the true cost
  10. Early stage arrears management fee - yes
  11. Redemption statement fee - probably not
  12. Alternative payment method fee - more info
  13. Int on arrears - yes by way of the spreadsheet calcs but not an item you would list

 

Basically what you are looking for is anything that can be shown to be a penalty i.e. it does not reflect the true cost or accurate pre-estimate of the actual cost. For example the passing on of a solicitors fee is not a penalty, it is the true cost to them. A fee for a bounced direct debt is highly unlikely to reflect the true cost to them so it is a penalty

 

IMHO

 

ims

 

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Thanks Ims21

 

I wish all financial institutions would just be transparent about the way they charge people. I know it is never going to happen as they are still making lots & lots of profit from them!!!! :mad2:

 

I feel like going after them for every charge the have ever made on my account, and letting them justify their excessive charges & costs in a court of law. Its unlaw & unjust - end of! Thats the grey area as I want to know where every penny has gone for each charge!

 

Am getting my letter ready and list of charges ready for sending first thing Monday morning. Gonna think about it tomorrow and amend my letter to request them to justify them all.

 

Anyway, onwards & upwards.

Good Luck to you all!!!!

Phil :-)

This is only my personal, honest opinion!

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Yeh, with Statutory 8% which I'm happy with. I'll pm you my letter now. See what you think. Any observations or additional comments are much appreciated.

 

Thanks for your help, Ims.

Phil

This is only my personal, honest opinion!

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Request for Repayment of Charges

We are writing to you to request the refundof £****.**of charges which you have levied against us in respect ofour account, plus statutory interest at 8% of £****.**, an amount thatwe would be expected to receive under normal circumstances by a county court orthe Financial Ombudsman. A total of £****.**

 

These charges have been levied against us unlawfully because they are excessiveand therefore unfair.

 

We are sure that you are aware of the recent decisions by the FinancialServices Authority in Deutschebank and also in Redstone. The Financial ServicesAuthority made it very clear that charges should reflect the actual cost ofdealing with difficulties on a mortgage/loan account. It is very clear that yourcharges are calculated to produce a high margin of profit for you.

 

Furthermore your charges are unfair and therefore unlawful under the UnfairTerms in Consumer Contracts Regulations. Although a test case in 2009 decidedthat overdraft charges for personal bank accounts could not be assessed forfairness, this decision from the Supreme Court was limited to charges whichform part of the core revenue of the banks. Your charges are not part of yourcore revenue. They are incidental to your main business and therefore they fallto be assessed for fairness. Thismeans that they must be proportionate and that they must truly reflect youradministrative costs.

 

We are prepared to sue you in the County Court if you will not refund us forthe full amount.

If you are prepared to act quickly and to refund us our money without anytrouble, then we will be prepared to accept the return of our money as detailedabove, with statutory interest added at 8%.

 

Please note that we are not prepared to wait for your normal eight week delay.This is an industry time period which has been agreed with the FSA. We don'tthink that we would be prepared to accept your violations of FSA rules on onehand while you then attempt to rely on some FSA guideline on the other.

 

If we do not hear from you within 14 days of this letter then we will beginproceedings in the County Court and without any further notice.

 

Yours faithfully

This is only my personal, honest opinion!

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Hello Ims

 

I'm sorry if I've sent you pm's that go against forum rules. I am very suspicious of some of the charcters that read these forums (ie. Financial Institutions!) and don't wish to give them a chance to prepare anything against me. I want to hold my cards as close to my chest as possible!!!!!

 

The letter I've posted above is what I've put together. Your opinions are very welcome.

 

One last thing, do I need to send them a 'prelim' letter (14 days) then a 'letter before action' (another 14 days) then go to court as per bank charges claims?

 

Thanks, again.

Phil

This is only my personal, honest opinion!

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Hi

 

I'd remove the line being prepared to go to court. See below as to how to round off the letter re: court action

 

I'd also take out the bit about the FSA 8 week business.....you have said they have 14 days.

 

Round off the letter something along the lines of:

 

You now have 14 days to respond positively and in the absence of this, I will put you on notice with a further 14 days letter before action.

 

Yes a prelim as above, then lba then issue

 

ims

 

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Hi,

 

I've just recently got out of debt, the stress and frustration caused friction, and put the family out of balance. It caused a whole lot of anxiety, so we decided to cut our losses and sell up. We were fortunate, as we were in a position to pay back debts secured against the property. One of which was Ascenden. I borrowed over a 120 month period, this was for home improvements, holiday, car etc... it was for £15000, originally through London Mortage Company, then Capstone and now Ascenden. The Total amount of borrowing was £16600 due to a £1600 brokers fee added to the loan. It all started in March 2007, and I managed to complete the sale of my house in Feb 2012. Now forgive me for being naive here, after paying back over £15000 in repayments, the settelment figure paid was 16250, when I looked at the original agreement the total amount payable at the end of term would have worked out at £33500.

 

1.) What I'm trying to figure out is, why have I paid back nearly the amount payable under the full term? It works out that I had paid back circa £31250.00, Ascenden reckon it was made up of charges. Despite falling into nearly £3000.00 into arrears, by the time I had sold my property I made up the arrears balance to just under £1800.00, in other words the CMI was being paid, and an additional arrangement had been made too.

 

2.) When I asked ascenden in December 2011 for the settlement I almost choked, I asked for a breakdown of charges, but was fobbed off with the echoing sound of 'look at your terms and conditions' as I wanted to know why the settlement figure was so high.

 

3.) I have written in correspondance but I am facing a brick wall.

 

I really honestly feel that I've been done, particularly when I've paid the debt half way through term. Is there any way I claim some if not all of the charges back.

 

Your help would much appreciated.

 

Mark

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Thanks fo rthe tip, i'll do just that. Again being naive, am I able to start another thread as I already have one open? A new starter to these!

 

Yes of course...the thread you have going at the mo is regarding Daniels Silverman and Train 4 Gain or something like that I believe.

 

This is a different issue so we encourage separate threads for each issue you are trying to resolve

 

ims :-D

 

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Hi phil,

I am in the same boat as you and have now received my SAR back.

Can I ask what you did regarding interest?

Did you add this to your spreadsheet?

My mortgage rate varied throughout the term so I'm unsure if I should do a seperate sheet for each different APR, or leave it blank or add the statutory 8%.

Also, what charges are you reclaiming back. Reading through my statements there are about 15 different types of charges added!

I am hoping to get letters sent off to ascendon this monday. Be interesting to see the response.

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Hi

 

Your LBA is the same as your preliminary letter but you add the heading "LETTER BEFORE ACTION".

 

Also add a paragraph at the end to say that if they do not refund your money by x date you will issue proceedings in court without further recourse to them. Send an updated spreadsheet with the interest running right up to now and amend the figures in the LBA to reflect those now showing in the updated spreadsheet.

 

ims

 

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  • 1 month later...
  • 2 years later...

Hello Everyone,

 

So its been a while, we wanted to start our claim against Ascenden for unlawful charges before now, but we've not had the opportunity to do so till now.

 

After repeated failings to resolve our issues, we are now ready to issue a claim and I've started proceedings with 'Moneyclaim Online'.

 

Just a quick question though, can anyone direct me to a suitable template to complete the 'Particulars of Claim'? I've successfully claimed bank charges back before, and have produced one at present, but as these are mortgage charges, I'd like to know if there are any differences to apply to this claim?

 

Thanks in advance!

Phil :-)

This is only my personal, honest opinion!

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Hi Phil, have left a message for others on the site team to advise on this.

 

As each situation is unique then there is no template as such hopefully others who have made a claim will also be looking in with some advice.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

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1: How can BCOBS protect you from your Banks unfair treatment

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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